The Benefits Blog

I have a client that we are working with who has questions about her widow benefit. The husband passed away, and the wife is age 58 and is eligible to receive a widow’s benefit at age 60. Her FRA is 67. I looked back on the NSSA training and found that deemed filing does NOT apply....

When you decide to “take a load off” by resting your body on a stool, do you want to rest on a rocky bench that might cause you to either slide off or to force you to exert extra energy to continually stabilize yourself? A stable three-legged stool provides support through careful...

I have someone who was told by SSA that if she took SSA based on her spouse’s record, she would be able to receive $3,000 vs her own record of $2,000 but SSA was unable to verify SSA said she would have to retire first and then come back for the real numbers. 

In this situation, it...

My sister was a stay-at-home mom. She has planned to take half of her husband’s SS benefit when she got to FRA. You told me she should go to the SS Office. She did that today and they informed her that they have not done spousal benefits for 3 years. They told her to sign up on her own...

Quick question. I have a client who will be turning 62 in January.  SS retirement benefit is around $750, and she makes around $16,000 a year income. Her ex-husband is deceased. They were married over 30 years. His death PIA is over $3,000 per month. Ex-husband had not filed for SSB before...

The heart of the question relates to the adjustment at FRA relating to benefits withheld due to the Annual Earnings Test.  Does that adjustment occur with only retirement benefits, or will that adjustment apply also to survivor or spousal benefits as well?

When Social Security benefits are...

The heart of the question relates to the adjustment at FRA relating to benefits withheld due to the Annual Earnings Test.  Does that adjustment occur with only retirement benefits, or will that adjustment apply also to survivor or spousal benefits as well?

The adjustment for benefits...

My client, age 67, is currently collecting his SS benefits. He called SSA to suspend his benefit so he could start to receive DRC’s. SSA told him he could only do so if he paid back the SS benefits that he had received so far. She said that was a recent rule change. Is that correct? If not,...

Quick question on the spousal boost.  Let’s say wife has a PIA of $1,000 and husband has a PIA of $3,000. Both are same age — wife starts at 62 and husband starts at FRA. My understanding is that when the husband turns on his SSB, the spousal boost happens automatically, but I...

I have an individual that will turn 66 on February 13.  She will reach FRA in August.  If she starts taking SS in August or September, will her benefits be reduced, since she will start in the month of or later of reaching FRA?  I am reading some conflicting reports relating to...